How to get an SR-22 with State Farm July 2018 | finder.com
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How to get an SR-22 with State Farm

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If you have a recent DUI or DWI conviction or merely a few more points than you’d like on your record, you may need vehicle liability insurance — also called an SR-22.

But to file for an SR-22 document, you must first have an active insurance policy with a provider like State Farm.

If you already have a policy with State Farm, look into its insurance coverage for high-risk drivers and services for filing for SR-22 insurance on your behalf.

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How do I get an SR-22 with State Farm?

If you’re a current car insurance policyholder with State Farm, contact your local agent to start the process of adding an SR-22 document to your policy.
In general, you’ll need to submit information to your State Farm agent that includes:

  • Your date of birth and Social Security number.
  • Your State Farm policy number, if you’re a current policyholder.
  • Your state of residence and driver’s license number.
  • The date your license was suspended.
  • The date you anticipate your SR-22 is no longer required.
  • Any other information about your conviction.

To file your SR-22, State Farm charges a fee that ranges from $15 to $25 or more. You could see your insurance premiums rise after you’ve filed for SR-22 insurance, depending on your age, gender, state of residence and driving record.

It’s a good idea to follow up with State Farm and your local DMV on the status of your SR-22. It can take up to two weeks to process an SR-22 document, during which you’ll need to sit out on driving.


What if I’m not a State Farm customer?

If you aren’t a State Farm customer, it’s easy enough to become one. Visit State Farm’s website for a free online quote and to begin signing up. State Farm offers nationwide coverage to all 50 states and Washington DC.

For a personalized quote with State Farm, you’ll need to submit:

  • Your name and date of birth.
  • Your home address, phone number and email address.
  • The make, model and year of the car you want to insure.
  • Your Social Security or Taxpayer ID number.

Other providers that provide SR-22 insurance

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers


What do State Farm customers say?

State Farm customers speak highly of its responsive customer service and flexible policies. But you’ll find complaints about fluctuating rates and a lack of discounts for safe drivers.

To learn more about what to expect from your State Farm policy, call your local State Farm agent.

Will State Farm raise my premiums if I file for an SR-22?

Your premiums could increase after you’ve filed for an SR-22. This is because you’re now considered a high-risk driver. Keep in mind that your insurance rates depend on many factors that include your age, gender, state of residence, driving record and insurance provider.

Will State Farm cancel my policy if I file for an SR-22?

It could. However, while some providers don’t cover high-risk drivers, State Farm does.

State Farm could decline providing you with a policy while you carry SR-22 insurance. If it does, you could see your premiums increase with another provider.

If State Farm cancels your policy, you’re typically notified with enough time for you to find a new provider before your current policy lapses.


What is SR-22 insurance?

SR-22 insurance isn’t actually insurance. Instead, it’s a certificate of financial responsibility that verifies a driver has an insurance policy that meets state liability requirements.

To legally drive in your state, you’ll need an insurance company to file an SR-22 showing you’re adequately covered in the event of an accident.

How will I know if I need an SR-22?

This is one of those areas where if you need an SR-22, you’ll know. In most cases, you’re notified of an SR-22 requirement by a court ruling or through your state’s motor vehicles department.

You could be required to file an SR-22 document if:

  • You’re convicted of a DUI or DWI.
  • You’re found driving with a suspended or revoked license.
  • You’re found driving without insurance or the minimum coverage.
  • You’re involved in an accident that results in injury or death.
  • You’ve accumulated a lot of points on your driving record.

If your driving record includes any of the above offenses, your state could consider you a high-risk driver and require you to file an SR-22 before getting back on the road.

How long will I be required to file SR-22 documents?

It depends on your state. If you need an SR-22, many states will require you to file for one from three to five years after. Check with your local department of motor vehicles to learn more about SR-22 coverage in your state.

To keep your SR-22 insurance in good standing, you must maintain a State Farm policy with timely payments and safe driving practices.

If your policy lapses, you could lose your SR-22 documents and face steep penalties that include fines and the suspension of your license.

What happens when I don’t need an SR-22 anymore?

Your DMV will notify you once you’re no longer required to carry SR-22 insurance.

You’re then responsible for contacting your local State Farm agent to inform them that the SR-22 can be removed from your policy. Once State Farm confirms this change with your state’s motor vehicles department, the SR-22 is removed from your policy.

What if I don’t have a car?

Even without a car, you may still need to file an SR-22 as a non-owner.

A non-owner is someone who holds a valid driver’s license but doesn’t own their own car. If you occasionally drive vehicles you don’t own, you must purchase a non-owner car insurance policy.

Not all insurance companies provide non-owner policies, but State Farm does. Find out about State Farm’s non-owner coverage by speaking with your local agent.

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